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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $140,651 | $44,746+214.3% | $88,179+59.5% | $64,097+119.4% |
| Participation rate | 30.6% | 39.8%-9.2pp | 69.1%-38.5pp | 55.2%-24.5pp |
| Annual return | 19.84% | 24.70%-4.9pp | 64.97%-45.1pp | 34.64%-14.8pp |
| Employer contribution / active EE | $1,582 | $1,078+46.8% | $2,549-38.0% | $1,891-16.4% |
| Participant deferral / active EE | $3,884 | $2,072+87.4% | $4,614-15.8% | $3,080+26.1% |
| Admin fee / account holder | $10,979 | $3,437+219.4% | $7,673+43.1% | $3,454+217.8% |